Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.70% | +0.16 | 0.54% |
| Return on Equity (%) | ▲ | 7.57% | +1.35 | 6.22% |
| Net Interest Margin (%) | ▲ | 2.92% | +0.27 | 2.65% |
| Efficiency Ratio (%) | ▲ | 68.42% | -5.72 | 74.14% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.65% | -0.11 | 1.76% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $135 | +3.74 | $131 |
| Gross Loans ($M) | ▲ | $108 | +0.73 | $107 |
| Loan Growth YoY (%) | ▲ | 91.54% | +0.15 | 91.39% |
| Total Deposits ($M) | ▲ | $117 | +0.61 | $116 |
| Shareholders Equity ($M) | ▲ | $13 | +1.06 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +1.07 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 91.54% | +0.15 | 91.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.11 | 0.11% |
| Allowance / Loans (%) | — | 0.68% | -0.00% | 0.68% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.14 | 0.14% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▅▆██ | Net Interest Margin (%) | 2.31% | 2.32% | 2.52% | 2.65% | 2.67% | 2.75% | 2.89% | 2.92% |
| ▁▁▆▆▆▆██ | Return on Assets (%) | 0.14% | 0.15% | 0.50% | 0.54% | 0.53% | 0.51% | 0.68% | 0.70% |
| █▄▃▂▃▃▁▁ | Efficiency Ratio (%) | 93.8% | 81.1% | 75.1% | 74.1% | 75.2% | 76.8% | 69.9% | 68.4% |
| ▆█▄▃▄▄▁▁ | Cost of Funds (%) | 1.87% | 1.96% | 1.77% | 1.76% | 1.77% | 1.77% | 1.66% | 1.65% |
| ████▁▁▁▁ | NPA / Assets (%) | 0.12% | 0.11% | 0.11% | 0.11% | 0.00% | 0.00% | 0.00% | 0.00% |
| ████▁▁▁▁ | Net Charge-Off Ratio (%) | 0.15% | 0.14% | 0.14% | 0.14% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▆▇▇█ | Tang. Book Value ($M) | $11 | $11 | $11 | $12 | $12 | $12 | $12 | $13 |
| ▁▁▆▅▇██▆ | Gross Loans ($M) | $103 | $103 | $107 | $107 | $109 | $110 | $110 | $108 |
| ▁▄█▂▆▆▂▄ | Total Deposits ($M) | $116 | $117 | $119 | $116 | $118 | $118 | $116 | $117 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 4% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 7% |
| Interest-Bearing (core) | 75% |
| Brokered / Other | 19% |